The average Memphian's annual cost of coverage


Our customer's average savings after comparing insurance


That's equal to 240 cups of coffee or $599 in savings

See How Much You Can Save in Memphis

Click below to get free quotes in seconds!

Start Saving Now!

Where you live in Memphis affects your car insurance rates.

Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately, Memphis is no exception to the rule. From zip code 38018 to 38116, premiums rise by 19 percent—that’s $263.

Expensive Cheap
38105 38107 38106 38126 38116
38018 38137 38138 38135 38133

Be Prepared For

Driving in Memphis

Major Highways
I-40 I-55 I-240
Toll Roads
U.S. 36 Express Lane
Popular Day Trips
Meeman-Shelby Forest Holly Springs Ghost River

Memphis Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Memphis, you can expect 108 rainy days with an annual rainfall of 53.7 inches. Memphis is also known to experience thunderstorms and tornadoes. You can check on the condition of the roads anytime here.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Car Insurance Companies in Memphis

Find Local Memphis Agents

Fred L. Davis Insurance Agency

1374 Airways Blvd Memphis, TN 38114

Boyle Insurance Agency, Inc.

5900 Poplar Ave. Memphis, TN 38119

Smith-Berclair Insurance

855 Ridge Lake Blvd Memphis, TN 38120

Not sure about Memphis

Check out these other Tennessee cities...